摘要
应用大数据手段,对接入云平台的小微企业信用评级体系的尝试,不失为一种解决小微企业融资难的积极尝试。采用对比分析,比较了接入阿里云、腾讯云、百度云的小微企业的信用评级体系,并得到了以下4点启示:(1)接入的云平台数据库丰富,数据来源多维、广泛。(2)利用金融科技等高新科技技术对数据进行处理。(3)形成的信用报告能用评分方式说明企业的风险性。(4)进行信用评级并贷款后具备贷后追踪功能。基于此,实现为接入其云平台的小微企业快速进行征信并放贷,为构建接入云平台小微企业信用评级体系提供了有益的参考。
The application of big data to improve the credit rating system of small and micro enterprises connected to the cloud platform is an active attempt to solve the financing difficulties of small and micro enterprises.This paper USES comparative analysis to compare the credit rating system of small and micro enterprises connected to aliyun,tencent cloud and baidu cloud,and obtains the following four enlightenments:1.Access to the cloud platform database is rich,data sources are multi-dimensional and extensive.2.Data processing with fintech and other high-tech technologies.3.The credit report formed can indicate the enterprise's risk by scoring.4.Credit rating and post-loan tracking function after loan.Based on this,it can quickly conduct credit investigation and loan for the small and micro enterprises that access the cloud platform,which provides a useful reference for building the credit rating system of small and micro enterprises that access the cloud platform.
作者
王霞
刘红宇
杨梦秋
WANG Xia;LIU Hongyu;YANG Mengqiu(Guizhou University of Finance and Economics,Guiyang Institute for Big Data and Finance,Guiyang 550003,China)
出处
《技术与市场》
2020年第10期123-125,共3页
Technology and Market
基金
2019年省级大学生创新创业训练计划项目:接入贵阳市“智慧农批云平台”商户征信水平调研(20195200791)。
关键词
云平台
小微企业
信用评级
芝麻信用
cloud platform
small and micro businesses
credit rating
sesame credit
